Decisions about Health Care Insurance begin at the kitchen table

The most common misunderstanding about advance care health planning may be that it requires consulting with an attorney and the creation of numerous complex legal documents. In reality, advance planning starts at the kitchen table, with a thoughtful conversation with your spouse and/or family members.

Focus on advance care planning, talking about how you want your health care needs handled, financially as well as physically, and from there, move on to a discussion about a living will, a will and burial decisions. Then you are ready to speak with a Health Care Insurance advisor to set up a health care plan that meets your needs, and an attorney to take care of your will.

Yes, some of the topics may be uncomfortable to talk about. Studies show most people would rather indefinitely postpone these conversations, rather than have them. But all it takes is one cautionary tale from someone like me, a Health Care Insurance advisor, to realize delaying is not the answer.

Claire and Rich, both in their 50s, sat down with me and talked for about an hour and a half about Long-Term (LTC) and Short-Term (STC) Health Care policies. They agreed that having both a LTC and STC policy could help them, but decided to take a few days to think through some of the plans I showed them.

When I checked back with them, Claire had decided to postpone their decision for a couple of months, until after the holidays.

Unfortunately, Rich had a stroke about a month later, and was unable to buy the Short-Term Care policy that would have helped Claire pay for his home health care and nursing home care needs while he was recovering. Like many stroke victims, Rich lived, but will now be ineligible for Long-Term and Short-Term Care policies because of his pre-existing condition.

I was still able to help Claire, but felt very badly not to have been able to help Rich as well.

 Unfortunately, most of us don’t want to think about end of life and critical care health needs – often waiting too long – until after something devastating happens.

This is the reason I’m so passionate about health care insurance! I want to make sure you don’t get caught up in a crisis situation like Claire and Rich did. Both LTC and STC health insurance needs to be decided upon WHILE YOU ARE HEALTHY.

Together, let’s make your future health care decisions a priority, beginning at your kitchen table.

~ Elise

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